LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,320
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$60,135
−HK$1,843/mo
Today · 4.125%
HK$61,978
baseline
▲ 0.50% · 4.625%
HK$65,749
+HK$3,771/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$123,956/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,086,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,881
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$66,621
−HK$1,765/mo
Today · 4.125%
HK$68,386
baseline
▲ 0.50% · 4.625%
HK$71,991
+HK$3,605/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$136,772/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,086,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,985
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$72,161
−HK$2,212/mo
Today · 4.125%
HK$74,373
baseline
▲ 0.50% · 4.625%
HK$78,899
+HK$4,526/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$148,746/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,086,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,857
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$79,945
−HK$2,119/mo
Today · 4.125%
HK$82,064
baseline
▲ 0.50% · 4.625%
HK$86,389
+HK$4,325/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$164,128/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,086,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,649
−HK$5,120/mo
▼ 0.25% · 3.875%
HK$84,188
−HK$2,581/mo
Today · 4.125%
HK$86,769
baseline
▲ 0.50% · 4.625%
HK$92,048
+HK$5,279/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$173,538/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,833
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$93,269
−HK$2,472/mo
Today · 4.125%
HK$95,741
baseline
▲ 0.50% · 4.625%
HK$100,787
+HK$5,046/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$191,482/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,977
−HK$6,583/mo
▼ 0.25% · 3.875%
HK$108,242
−HK$3,318/mo
Today · 4.125%
HK$111,560
baseline
▲ 0.50% · 4.625%
HK$118,348
+HK$6,788/mo
Deposit HK$2.56M · loan HK$23.02M · min. income ≈ HK$223,120/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,786
−HK$6,309/mo
▼ 0.25% · 3.875%
HK$119,918
−HK$3,177/mo
Today · 4.125%
HK$123,095
baseline
▲ 0.50% · 4.625%
HK$129,584
+HK$6,489/mo
Deposit HK$2.56M · loan HK$23.02M · min. income ≈ HK$246,190/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,992 · Scale 2, in force from 26 Feb 2026)